Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$436,820Cash toward the purchase price.
Closing costs + prepaids$13,152Not just lender fees.
Before credits & paid funds$449,972The complete starting cash picture.
Estimated remaining funds due at closing
$449,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,820.00
Your down payment$436,820.00
Closing costs + prepaids$13,152.11
Total buyer cash needed$449,972.12
Remaining funds due$449,972.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.25
Initial HOA (3 months)$194.25
Prepaid interest, first (1 days)$27.61
Fees + prepaids$13,152.11
Your down payment is the seller’s equity. You take over the $153,180 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $449,972.12 is due at closing. Uses and sources reconcile at $603,152.11 each. Not a Closing Disclosure.